Earn interest and checking account bonus rewards.
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Everyday savings made simple, along with money market and health savings accounts for specific needs.
Open our basic savings account if you want low (or no) fees.
Give family members up to 26 years of age a savings account head start.
Step up your savings with a high-yield money market account.
Got a high-deductible health plan? You're eligible for an HSA.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Buy a new car, truck, or SUV, or refinance an auto loan.
Finance your adventures on open waters or the open road.
Get behind the wheel of your dream RV at a great rate.
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For small to mid-size businesses with low volumes.
Find the account that helps grow your business.
The documents you'll need for your type of business.
Access your business bank accounts online or on the go with our mobile banking app.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Access your business bank accounts online or on the go with our mobile banking app.
Owner-occupied or investment, fixed or variable rates.
Flexible terms with fixed or variable rates.
Flexible terms with amortizations coordinated to the equipment's useful life.
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Longer terms and low fixed rates for Missouri-based businesses.
Long-term, fixed-asset loans for land, building, and/or equipment.
Experts to help customize your loan for your unique needs.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Let's make your homeownership dreams a reality.
Cut your payments, consolidate debt, and more.
Turn the equity you've earned into a flexible line of credit.
Explore programs and resources designed to make homeownership more attainable.
Discover specialized loan programs designed for a variety of homeownership needs.
Lower your initial mortgage payments with a temporarily reduced rate.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Access your accounts online or on the go with our mobile banking app.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Checking with perks or just the basics.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Put your financial wellness first with options from basic to health savings accounts.
Invest in your future with a safe, secure CD or IRA. Lock it in and let it grow.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Auto loans to credit builder loans–borrow with confidence from your local bank.
Rewards, cash back, cash-secured—find what you want in a credit card right here.
Grab cash or pay with a swipe or tap from your checking or savings account.
Bank online or on the go—free e-statements and digital wallet included.
Partner with a local bank that's invested in a lifetime of financial wellness.
Power save with our limited-time money market and CD special offers.
Low fees and minimums, high degrees of automated banking.
Access your business bank accounts online or on the go with our mobile banking app.
Make your funds work harder to meet your short-term needs.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Cash back, rewards—and more of what you want in a business credit card.
Grab cash or cover everyday expenses, everywhere Visa® is accepted.
Experience the latest point-of-sale system with Clover from Fiserv.
Access your business bank accounts online or on the go with our mobile banking app.
Start-up funds, working capital or financing for expansion, serviced in house.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Bank anywhere—all the essential money management tools included.
Partner with a local bank that's invested in a lifetime of financial wellness.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Power save with our limited-time money market and CD special offers.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Partner with our expert business lenders for a personalized experience.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Home loans serviced in-house with the one-on-one attention you deserve.
Explore options to reduce your mortgage rate or monthly payments and consolidate credit card debt, or fund other financial goals.
Take an expert guide on your homeownership journey.
Calculators and an in-depth glossary to keep you informed.
Ready to make an offer? So are we. See what's new.
Find a banking or mortgage center near you.
Access your accounts online or on the go with our mobile banking app.
Email, call, or pay us a visit. We'd love to see you.
Prevent check and ACH fraud from spoiling a good day. Access ACH Debit & Credit Positive Pay via digital banking to help combat fraud.
Take a trip down memory lane all the way back to 1867.
Everyday savings made simple, along with money market and health savings accounts for specific needs.
Learn about our commitment to community support.
Finance your commercial real estate project with the people's choice for "best commercial bank" and "best bank."
Pursue a career with purpose, possibility, and people who care.
Access your accounts online or on the go with our mobile banking app.
Limited Time Offer*
If you’re an active-duty military service member or a veteran, you may qualify for a $250 closing cost credit when you finance a VA home loan with First State Bank between November 1-30, 2026.
Whether you’re purchasing your first home, relocating due to a new assignment, transitioning to civilian life, or making a move for the next chapter of life, our experienced mortgage team is here to help guide you through the process.
Work with a lender who is committed to helping eligible service members, veterans and military families make the most of their home financing opportunities.
Offer available to military veterans and current members of the armed forces who submit a VA mortgage loan application with First State Bank Mortgage between November 1–30, 2026. Offer has no monetary value and is not redeemable for cash. The closing cost credit will be applied to the borrower’s loan at closing.
First State Bank of St. Charles, MO, NMLS ID: 416668. Authorized to lend in all 50 states. This is not a loan commitment or guarantee. All loans are subject to approval, creditworthiness, and income verification. Applicants must be at least 18 years old. Programs, rates, terms, and conditions are subject to change without notice. Certain restrictions may apply.
